How does the Florida short sale process work? There's just 5 basic steps to get you from here to closing!
The Florida short sale process doesn't have to be overwhelming!
While a lot happens behind the scenes, there's really just 5 basic steps to get you through your Florida short sale.
With an experienced Florida short sale Realtor by your side, your short sale doesn't have to be complicated!
Will you qualify for a short sale? Find out now!
5 STEPS TO THE FLORIDA SHORT SALE PROCESS:
SELLER CONSULTATION: This is the first and most important part of the short sale process in Florida. Just give us a call or text, or shoot over an email! It'll only take about 15 minutes to figure out whether you are a good candidate for a short sale and likely to be approved. We'll gather basic information about your goals, situation, and lender(s), to determine whether a short sale is a viable solution.
LIST THE HOME: After valuing the home, setting the proper seller expectations for the short sale and getting the home market ready, the home goes on the market, subject to the short sale approval. The only difference so far is that buyers will need to be aware that the sale will be subject to short sale approval process which may take a few months.
SECURE A BUYER: Once agreement has been reached with a buyer, the property goes under contract like any other sale, the short sale package gets compiled and short sale negotiations with the lender begin. The bank holding the mortgage must agree to take a loss so that the owner can "sell short".
FREE SHORT SALE SURVIVAL GUIDE!
A STEP BY STEP MANUAL FOR GETTING THROUGH THE SHORT SALE PROCESS!
GET SHORT SALE APPROVAL: During the short sale approval process several things need to happen successfully. To summarize:
- We fully document the sellers situation to make a case for a "financial hardship".
- The lender orders a valuation of the property to establish its current market value.
- The lender(s) will decide to approve, decline, or counter the sale based on the results of the above, which generally leads to more negotiations over the terms of the approval.
NOT TO WORRY! WE HANDLE ALL THIS ON YOUR BEHALF AND A SHORT SALE WILL COST YOU NOTHING!
CLOSE: Once all terms of approval have been negotiated to satisfaction, the lender(s) issue a detailed approval letter. Short sale approval letters generally expire in 30-45 days from the date of issuance, so at this point in time all parties should be prepared to close swiftly. Some sellers even receive a relocation assistance check from their lenders!
While all short sales are unique, this basic process applies to every one! For the best odds of success, HIRE THE RIGHT HELP!
We have been specializing in short sales since 2008 and have a 95%+ approval rate! We've helped hundreds of homeowners out of their upside down homes and on with their lives, and we can help you!
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Short Sale Lenders/Servicers/Investors/Programs we have experience with:
AHMSI, AIM, Amerihome, ASC, Aurora, Bank of America, Bank United, Bayview, Bayview Loan Servicing, Carrington, CCM, Cenlar, Chase, CHFA, CHIF, Citimortgage, Countrywide, Cross Country, Dime Savings Bank, Ditech, Fifth Third Bank, Freedom Mortgage, GMAC, Greentree, Guaranty Bank, Guild, HFC, Home Point, HomeBridge, HomEq, HSBC, IBM LBPS (Lender Business Process Services), IndyMac, Lakeview Loan Servicing, Liberty Bank, Litton Loan Servicing, LoanCare, M&T Bank, McCue Mortgage, Merrimack, MorEquity, Mr. Cooper, Nationstar, Newrez, Norcom, OCWEN, One West Bank, PennyMac, PHH Mortgage Services, Planet Home, Planet Home Lending, Provident, Rocket Mortgage, Savings Institute, Seterus, SLS, Sovereign, SPS, TD Bank, Vericrest, Webster Bank, Wells Fargo, Windsor Federal. Loans with all major investors including Fannie Mae, Freddie Mac, FHA, VA, USDA, Private Labels/Investors.
We assist homeowners with short sales throughout Northeast and East Central Florida, including:
Nassau County, Duval County, Clay County, St. Johns County, Putnam County, Flagler County, Volusia County, Brevard County, Indian River County, St. Lucie County, Martin County, and Palm Beach County, including the cities of Fernandina Beach, Yulee, Callahan, Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Orange Park, Fleming Island, Middleburg, Green Cove Springs, St. Augustine, St. Augustine Beach, Ponte Vedra Beach, Palatka, Palm Coast, Flagler Beach, Daytona Beach, Ormond Beach, Port Orange, New Smyrna Beach, Deltona, DeLand, Titusville, Cocoa, Cocoa Beach, Rockledge, Melbourne, Satellite Beach, Indian Harbour Beach, Palm Bay, Sebastian, Vero Beach, Fort Pierce, Port St. Lucie, Jensen Beach, Stuart, Palm City, Hobe Sound, Tequesta, Jupiter, Palm Beach Gardens, North Palm Beach, Lake Worth Beach, Wellington, Greenacres, Boynton Beach, Delray Beach, Boca Raton, West Palm Beach, Royal Palm Beach, and surrounding Florida communities.
Last Updated on June 24, 2026 by Minna Reid
